The 2017 study entitled “Payments 4.0” deals with the digitization of payment processes (Bruck in “Payment transactions 4.0”—what impact does this have… Payment Transactions 4.0., n.d.). It not only deals with the digitalization of cash, but also describes the growing interest in blockchain. In particular, the study emphasizes potential interaction innovations, new business models and new communication solutions that go hand in hand with blockchain technologies. Digital and flexible adaptation is also seen as a necessity. Business models that are based on blockchain technologies and allow users to interact both actively and passively with the blockchain require the use of blockchain wallets. Such wallets are user-unfriendly, which makes user acceptance more difficult and inhibits their spread. The hurdle lies in the effort involved with a blockchain wallet (Hajjar in What’s a DEFI wallet and how to choose the right one for my business. RIF., n.d.).